When I check my account balance there is a category for 'pending' charges that have not been paid yet and those are deducted from my available cash balance.

When I want to see how much money I have available I don't check to make sure all my payment agreements are paid because all of the automatic payments that I have set up are to be charged before the fifteenth of the month. So if they charge on the last day of the month I am not anticipating that and it screws my system up.

Why bother to even have an agreement to bill my card on a certain day if they are going to throw a dart at the calendar and bill my card then?